The government's annualcreditreport.com site gives you once-per-year access to a report from each of the three credit reporting agencies: Experian, TransUnion, Equifax. You can get one report from each of these once per year, so you can actually check a report three times per year for free. I try to remember to get one every four months.

When you do this, each of the reporting agencies will try to sell you their score on you for five bucks. If everything in your report is in order, why buy the score? I still don't think it's the same thing that actual lenders see.

If you want your real score for free and don't mind a hard pull on your credit reports, apply for a mortgage. The bank should share with you what scores it gets from the reporting agencies. However, this hardly seems worth it to me.

How does the once per year score work? Is it one free score from Trans, Equifax, and Experian from Jan 1- Dec 31st? Or is it one score every 365 days? If its one per calender year I might as well pull my other 2 scores while I can.

paparoach429 wrote:How does the once per year score work? Is it one free score from Trans, Equifax, and Experian from Jan 1- Dec 31st? Or is it one score every 365 days? If its one per calender year I might as well pull my other 2 scores while I can.

I believe it's one report from each 365 days from the day you last viewed them, but I'm not positive.

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